Toyota Tundra Insurance Rates

The average Toyota Tundra insurance costs drivers $1,468 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. For example, 2018 Toyota Tundra insurance costs less than the newest model.

In order to help you secure the best Toyota Tundra car insurance rates and policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally answer the question, “How much does a Toyota Tundra?” cost for yourself.

You can even start comparing Toyota Tundra insurance quotes from multiple companies by entering your ZIP code into our free tool.

Average insurance rates for a Toyota Tundra are $1,452 a year including full coverage. Comprehensive insurance costs approximately $320, collision costs $512, and liability is estimated at $440. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $3,114 or more. Teen drivers receive the highest rates at $5,408 a year or more.

Average premium for full coverage: $1,452

Rate estimates by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Tundra models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how location helps determine auto insurance prices.

These examples highlight why everyone should get quotes using their specific location and risk profile, instead of using price averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Toyota Tundra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $850
• Choosing higher $1,000 deductibles can save $192 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,452
• Choosing pricier low deductibles for comp and collision coverage will cost an extra $362 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,114 or more
• The cost for full coverage for a teen driver for full coverage can cost $5,408 each year

View Chart as Image

Car insurance rates for a Toyota Tundra can also vary considerably based on your driver profile, the model of your Tundra, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $5,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,070 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $560 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $396 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 extra per year, depending on your age. Toyota Tundra insurance for high-risk drivers ranges as much as 43% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Toyota Tundra Insurance

Saving money on car insurance takes having a decent driving record, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest time comparing rates once a year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following items are a brief recap of the data that was covered in the charts and tables above.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Policyholders who purchase additional liability coverage will pay about $480 per year to raise limits from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers pay the highest auto insurance rates, as much as $451 per month if full coverage is included
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,660 more per year than a driver with a clean driving record

Some might asking, “How much does a fully loaded Toyota Tundra cost?” It has one of the highest priced pickup trucks at $33,500 and up in depending on the year.

What problems do Toyota Tundras have? The most common issues reported to RepairPal included:

• Ticking Noise From Failed Exhaust Manifold (260 people have reported this)
• Toyota Recall For Lower Ball Joint Issue (199 people have reported this)
• AIR injection Pump failure (136 people have reported this)
• Oxygen Sensor May Fail (123 people have reported this)
• All other reports issues were under 30 reports.

Now that you have a better understanding of how Toyota Tundra car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Toyota Tundra insurance costs from top companies.

What are the safety ratings of the Toyota Tundra?

The safety ratings of the Toyota Tundra are important to know because positive scores translate to lower insurance rates. 

Take a look at the Toyota Tundra’s crash test ratings as determined by the Insurance Insitute for Highway Safety.

• Small overlap front (driver-side): Marginal
• Small overlap front (passenger-side): Poor
• Moderate overlap front: Good
• Side: Good
• Roof strength: Acceptable
• Head restraints and seats: Good

As you can see, the crash test results of the Toyota Tundra are a mixed bag. Some parts of the truck performed well while both sides of the overlap front have room for improvement.

Toyota Tundra Compared Against Other Vehicles in the Same Class

Since the Insurance Institute for Highway Safety classifies the Toyota Tundra as a large pickup truck, there is plenty of competition in this vehicle segment. 

Take a look at the following three pickups that are comparable to the Toyota Tundra. By doing so, you will begin to see what average insurance rates look like for this vehicle segment.

• Chevrolet Silverado
• Nissan Titan
• RAM 1500

We have uncovered a lot of information about the Toyota Tundra, so is there anything we might’ve missed? If not, start comparing Toyota Tundra insurance rates from multiple companies by using our free online quote tool.